FOR INDIVIDUALS

Aetna

Cigna

Humana One

United Health Care - Golden Rule

FOR GROUPS

Aetna

Cigna

Humana

United Health Care

FLORIDA HEALTH INSURANCE BY KEITH MURRAY.

FLORIDA HEALTH INSURANCE QUOTES

My name is Keith Murray and I sell health insurance for Florida residents. Individual
medical insurance in Florida can be confusing and my goal is to help you find the best
health insurance policy for you and your family. For the best policy and the best price
please click on one of the companies listed below.

EMPLOYEE BENEFITS / HEALTH INSURANCE BENEFITS

Offering individual health insurance for Florida residents. Whether you are working for
yourself, working for an employer, uninsured, a single person, or a family, our website
allows you to research, compare and apply for quality health insurance in Florida. Fast
and Free Florida health insurance quotes from top Florida health insurance companies
like Aetna, Cigna, Humana and Golden Rule/United Healthcare.

By clicking on any of the above carriers you can access benefits, rates, and even apply
for Florida health insurance online. I am an independent agent for the above carriers
and the rates and benefits quoted are the best available. Please feel free to compare
each of the above health insurance companies, shop each carrier to find the right choice
for you as each carrier's health insurance plans will be different in pricing and benefit.

Whether you are single or married, we have an Individual or family plan health plan
that is just right for you! Our HSA’s (Health Savings Accounts), HMO’s and PPO’s are
affordable, and allow you to go to any subscribing physician.

By selecting from a variety of deductible and plan options, I can help you SAVE!
Click on any of the above carriers for fast, free, health insurance quotes. You will
instantly see a variety of low cost, quality health quotes instantly.

Saving money by “buying direct” for many products we purchase is often
possible…except with health insurance! Many Insurance Quote Services like to
advertise that by “buying direct,” you are saving money. Quite simply, this is not true.
Any individual or agency in Florida that offers insurance, must be licensed by the Florida
Department of Insurance. No broker or Agency can offer you a “special price” – it’s
illegal in Florida to discount a health policy.

Pre-Existing Conditions and Florida Health Insurance
Individual health insurance in Florida is different than group medical insurance in Florida.
Individuals must go through a process called underwriting. This is where they calculate
the risk of insuring you and your family. Each of the four Florida insurance companies
will look at and calculate the risk of any pre-existing conditions that each applicant has in
their health history. Sometimes the insurance underwriters go back as far as 10 years.

Some of the health conditions the underwriters look at are cancer, diabetes, high
cholesterol, heart disease, and obesity. In many cases, conditions such as diabetes,
cancer, heart disease and severe obesity will result in an automatic decline from the
health insurance company. But don’t give up, e-mail me, we may have suggestions for
you that you have not considered.

I urge everyone to apply. There is no risk and the application process is relatively easy. Many times less severe pre-existing medical conditions such as high blood pressure,
mild obesity, high cholesterol, and heartburn/acid reflux may result in a rider being
placed on your policy. A rider will exclude coverage for anything related to your specific
pre-existing condition. For example, you have a broken leg that you are still undergoing
physical therapy. The insurance company may give you coverage but exclude that leg.
Riders can be permanent or short term (1-2 years), this will vary by the condition and the
insurance company.

Another option the insurance company may take is to rate you up – this means since
you are a higher risk, they will charge you more money. When the insurance company
issues a "rate up" they will offer insurance coverage that will include the mild pre-existing
conditions. The catch is your rate will go up – the rate up amount depends on the
underwriting department at the insurance company. They ultimately decide the price
and if they will offer you health coverage.

Compare all 4 Florida Health Insurance Companies!
We work with four great health insurance companies - Aetna, Cigna, Humana and
Golden Rule/United Healthcare. Please click on each of the above Florida medical
insurance providers and see which company will provide you with the best coverage for
your money. Have questions, please e-mail me – I am an independent health insurance
agent with many years experience and I can help you select which health insurance
company is best for you.

What is a Health Savings Accounts - HSA?
A Health Savings Accounts or HSA is a tax favored savings account that is used with
a high-deductible HSA compatible health insurance plan. These plans are designed to
make healthcare more affordable as well as another way to save money for retirement.

Aetna
is known nationwide as a leader in the health insurance industry.

Cigna Health Insurance has been helping people in FL lead
healthier, more secure lives for more than 125 years. CIGNA offers affordably
priced coverage for both HSA and non-HSA coverage in Florida.

Humana
offers an excellent value on HSA plans in many areas. It is often
the most attractively priced plan for large families or someone looking
for a higher deductible. In addition to hospitalization, this plan
also provides coverage for doctor visits and prescription drugs, which is
something many of the lowest priced HSA plans don't do.

UnitedHealthOne/Golden
Rule - Golden Rule's experience and expertise has driven the development
of easy-to-use and innovative health insurance products. A recognized
leader - and one of the nation's largest providers - of health savings account
plans, Golden Rule continues building plans that meet the needs of individuals
and families.

Florida residents can pay for qualified medical expenses with pre-tax dollars and save
for retirement on a tax-deferred basis. Depending on your tax bracket this could be
similar to receiving a 28% discount on your medical care.

Keith Murray works with Florida health insurance providers that offer health plans
compatible with an HSA. I urge you to compare the HSA compatible Florida health plans
listed on this page and select the plan that works best for you and your family.

Florida HSA – Health Savings Accounts
The market for HSA plans in Florida is has become very competitive. This works out
well for the consumer as there are many good choices. My most popular HSA plans are
with Humana, and Cigna. After selecting your HSA health insurance plan, you will need
to set up your health savings account. You can set up your account with a local bank in
FL, or the carrier can assign one for you. Don’t worry, you can change banks later if you
wish.

Health Savings Account Versus Retirement Account
I often suggest Health Savings Accounts for the tax deduction as well as a great way to
self insure and save money. The high-deductible health plans that work with the HSA
Accounts are commonly known for low premiums.

When you think HSA or Health Savings Accounts think IRA. Both allow annual
contributions that can grow with tax-free earnings. Both contributions are tax
deductions. The major difference between the two is that HSA money is available today
to pay for your medical needs, while the IRA money is not available until after you are
59-and a half.

Health Savings Account Investment Options
Health Savings Accounts allow you to invest your money as you would your IRA. Many
people invest their HSA money in bonds, mutual funds and stocks. A bonus with the
HSA investments is that that HSA investments can be left in place long after you retire.

With the ever-growing cost of medical intervention, Health Savings Accounts fit modern
needs with liquid assets readily available to cover health care for you and your family,
while allowing you to build a retirement account at the same time. You'll find extensive
resources here with us to explain how to make the most of your own Health Savings
Account.

Advantages of a Health Savings Account- HSA
Often times you can save money in the short and long term by:
-> Deducting 100% of your HSA contributions from your taxable income
-> Having the money in your HSA accrue interest and/or gains on a tax-free basis
-> Paying no penalties or taxes when you use your HSA to pay for qualified medical
expenses
High-deductible HSA compatible health insurance plans generally have a lower premium
than a plan with a lower deductible. This saves you money!

How does an HSA work?
To be eligible to contribute to an HSA, you must be covered by a qualified high
deductible health plan (HDHP) and have no other first dollar coverage.

You may use your HSA to help pay for medical expenses covered under a high-
deductible health plan, as well as for other common qualified medical expenses.

HSA funds unused remain in your account for later, and can be invested in a choice of
investment options, providing the opportunity for funds to grow.

HSAs work in conjunction with a HDHP. All the money you (or your employer) deposit
into your HSA up to the maximum annual contribution limit is 100% tax-deductible for
federal income tax, FICA (Social Security and Medicare) tax, and in most states, state
income tax. This makes HSA dollars tax-free.

You can use these tax-free dollars to pay for expenses covered under your HDHP until
you have met your deductible. The insurance company pays covered medical expenses
above your deductible, except for any coinsurance; you can pay coinsurance costs with
tax-free money from your HSA. In addition, you can use tax-free dollars for qualified
medical expenses not covered by the HDHP, such as dental, vision and alternative
medicines.

The funds in the account also can be used for other, non-medical expenses, but then
your dollars are subject to ordinary tax, plus a 10% penalty if you are under age 65. The
10% penalty does not apply if the distribution occurs after you reach age 65, become
disabled or die; however ordinary income tax may still apply.

Funds remaining in your account at year-end are yours to rollover and accumulate for
your future healthcare expenses. You may choose not to spend your HSA dollars on
small expenses, instead using after-tax dollars to meet these expenses, and leaving
your HSA dollars to grow for future needs. Choosing the expenses on which to spend
your HSA dollars and which to pay out-of-pocket with after-tax dollars is entirely up to
you.

What health care expenses does my HSA cover?
Your HSA funds can be used tax-free to pay for out-of-pocket qualified medical
expenses, even if the expenses are not covered by your HDHP. This includes expenses
incurred by your family.

There are hundreds of qualified medical expenses, including many you might not
expect: over-the-counter medications; dental visits; orthodontics; glasses; long-term
care insurance premiums; cost of COBRA coverage; medical insurance premiums while
receiving federal or state unemployment compensation and post age-65 premiums for
coverage other than Medigap or Medicare supplemental plans. In addition, HSA funds
may be used to pay your Medicare parts A and B premiums and for employer-sponsored
retiree plans.

All of these expenses may be paid for with your HSA funds, free from federal taxes or
state tax (for most states).

Refer to IRS Publication 502 for a more complete list of qualified medical expenses.

SCAM alert – Never trust anyone that tells you that you will be automatically approved
for a guaranteed issue no questions asked individual health insurance policy. Often
times these are merely discount medical plans not real health insurance. Discount
health plans are not insurance! Not sure, call the local hospital and ask them if they
accept the insurance and if it’s a good policy. The hospital billing department will tell you
the truth. If it sounds too good to be true then it probably is.

NEVER purchase a discount health plans, indemnity style health insurance policy or a
health policy with a calendar year limits.

The Benefits of working with a real live agent versus an online marketing firm. I am a
Florida licensed insurance agent. When you fill out the quote forms or e-mail me you
will be working with me and me only. There are many websites that lure Florida health
insurance shoppers to complete a form which they sell to 5 or 10 insurance agents.
These Marketing Organizations just sell your name and information to other agents.
These agents often pay $25 - $50 per lead and will call you, often times calling you
repeatedly until you buy from them. We do not sell your information and will not call you
unless you ask that we do. No high pressure sales here. No late night calls or calls
during dinner here.

Let me help you with your Florida health insurance search. Please click on any of the
above companies for fast, free, instant health insurance quotes.!

Facts, General Information, Answers And Key Terms
It is estimated that 45.8 million Americans do not have health insurance. Illness and
medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according
to a study published by the journal Health Affairs. The study estimates that medical
bankruptcies affect about 2 million Americans annually.

Premiums – This is the monthly cost to you. Premium is the price. Plan on this price
going up each year. It goes up for 2 reasons, you are getting older and as you age
the price goes up. The other reason, inflation. As medical costs go up so does the
insurance.

Deductibles - A deductible is the amount you pay the physician before your insurer
pays its share of your medical bill. Generally, the larger your deductible is, the smaller
your premium. You may wish to consider increasing your deductible in exchange for a
lower premium. Higher deductibles are a common way for insurers to make insureds
share in the cost of health care.

Copayments - A copayment is the amount you pay when you visit a doctor. Like a
deductible, a copayment is a means of sharing the costs of health care to discourage
excessive use of benefits. Copayments are often in the range of $20-$50 -- not too much
but high enough to discourage frivolous use of your benefits.

Out-of-pocket expenses - Out-of-pocket expenses are the costs you have to pay,
in total, before an insurer pays for any remaining amounts. Amounts you pay as
deductibles are included in your out-of-pocket expenses, which are kept as a running
total. Most health insurance plans also have a yearly maximum for out-of-pocket
expenses that you have to pay. Once you have reached your maximum for the period,
you're usually done paying for that period.

Florida KidCare - Through Florida KidCare, the state of Florida offers health insurance
for children from birth through age 18, even if one or both parents are working. It
includes four different parts. When you apply for the insurance, Florida KidCare will
check which part your child may qualify for based on age and family income. Please
visit http://www.floridakidcare.org/ for more information.

What Florida Cities and Counties do you cover?
I am based in Jupiter, Florida – Palm Beach County. I work with and have clients all
over the state of Florida. From Key West to Pensacola and everywhere in between I can
help you save money on your health insurance.

If you live in any of these locations....we probably sold an insurance policy to one of your
neighbors.